Credit Performance Specialist

13 hours ago

North Sydney Council, Australia Shift Full time

**About Shift**

We're a business specialist dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment.

You'll be joining a diverse team of over 250 people who are always looking to deliver better outcomes for Australian businesses.

About the Role

This is a senior role responsible for the credit performance of Shift's Trade product against predefined KPIs. The role encompasses owning credit decisioning models, portfolio management and monitoring the end-to-end operational performance of the business for factors that influence the credit performance of the product portfolio.

  • Owning the credit performance of Shift's Trade product from origination through to recovery, ensuring the portfolio grows in line with Shift's expectations of credit loss.
  • Providing recommendations for changes to the models, credit policy and underwriting guidelines.
  • Serving as a member of the Trade management team, responsible for reporting on the credit performance and its influencing factors to the broader group.
  • Ensuring portfolio optimisation by increasing exposure to low-risk grade customers while reducing it to those that deteriorate.
  • Providing performance reporting to 2nd Line Risk, responding appropriately to any queries.

Requirements

To succeed in this role, you will need:

  • Tertiary qualifications in quantitative study.
  • +5 years' experience in a portfolio management, risk management role that is quantitative in nature (nice to have).
  • Experience using data to make commercial risk decisions.
  • Technical competence with data – able to use SQL.
  • Ability to use data and make actionable recommendations to change models and business processes.
  • Ability to be wholesomely analytical, explaining the data and what influences it.
  • Ability to make decisions in a logical and considered way.
  • Ability to communicate respectfully in a succinct and informative manner.

What We Offer

As a valued member of our team, you can expect a competitive salary range of $120,000 - $180,000 per annum, based on your experience and qualifications.

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